Hi friends I want to share my own personal opinion which I faced after the met this incident that licence provide the poor service to his customers fristly their agent froced you to purchase a policy and they can’t described you full details about the policy and when they sell the policy behave rudely and if you invest any amount to lic for any plan calculate the full amount which you are paid to the Lic company and what you get after the policy complete and if any reason you want to policy break up the amount reduced by Lic companies, so that friend I advise you please aware of it and read full policy details when you purchase any policy and compare to the other insurance company.